Webhooks
You can receive real-time status updates of your income verification requests by using webhooks.
You can receive notifications from The Closing Docs via webhooks when the following occurs:
- When an applicant has begun an income verification request
- When an applicant successfully completes an income verification request
- When a screening group is completed successfully
- When an applicant's bank is not supported
- When an applicant does not have a bank or online banking
- When an applicant cannot connect their bank
- When an applicant states that they share a bank, or do not produce any income
- This is only for income verification requests with multiple applicants'
- When an applicant re-opens their screening to modify the information
- When a income verification report is 2 days from expiring
- When a income verification report has expired
The webhook will be sent as a
POST request to the webhook_url attribute of the screening group you created.The Closing Docs fires the
BEGIN_SCREENING webhook when an applicant signs up and begins the AIV screening.Example:
{
"code": "BEGIN_SCREENING",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
Once the applicant finishes an income verification process, the
SCREENING_COMPLETED webhook will fire. Note that this event fires when an individual income screening is completed, not the entire screening group.Example:
{
"code": "SCREENING_COMPLETED",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
Once every applicant from the screening group has completed their income verification request, the
SCREENING_GROUP_COMPLETED webhook will fire. This means that the income verification report has been generated and is ready to be presented.This webhook might fire several times due to an applicant re-opening their screening in order to add/remove an account or modify their explanation. Be sure to update your report whenever this webhook fires in order to show the most updated income report.
Example:
{
"code": "SCREENING_GROUP_COMPLETED",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4"
}
If the applicant's bank is not supported, the
BANK_NOT_SUPPORTED webhook will fire. The applicant's bank will be in the value property.Example:
{
"code": "BANK_NOT_SUPPORTED",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562",
"value": "Small Alaskan Credit Union"
}
If the applicant does not have a bank or use online banking, the
NO_BANK webhook will fire.Example:
{
"code": "NO_BANK",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
If the applicant's bank cannot connect due to technical errors, the
BANK_CANNOT_CONNECT webhook will fire. The applicant's bank will be in the value property.Example:
{
"code": "BANK_CANNOT_CONNECT",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562",
"value": "Small Alaskan Credit Union"
}
If the applicant states that they share a bank with another applicant, the
SHARE_BANK webhook will fire. This only occurs with screening groups with more than 1 applicant.
Example:{
"code": "SHARE_BANK",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
If the applicant states that they produce no income, the
NO_INCOME webhook will fire. This only occurs with screening groups with more than 1 applicant.Example:
{
"code": "NO_INCOME",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
If the applicant decides to re-open their screening request because they want to add or remove accounts or modify their income explanation, this webhook will fire. In this case, you will want to update the screening status back to
In Progress on your end until the SCREENING_COMPLETED webhook fires again.Example:
{
"code": "RE_OPEN_SCREENING",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4",
"screening_id": "4516efb4-82ed-43cd-a55a-ba93d4914562"
}
Our reports expire in 14 days in order to remain FCRA compliant. Two days before the report expires, we will send a webhook providing the following notice:
REPORT_SOON_TO_EXPIRE.Example:
{
"code": "REPORT_SOON_TO_EXPIRE",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4"
}
Our reports expire in 14 days in order to remain FCRA compliant. Once the report expires, we will send a webhook providing the following notice:
REPORT_EXPIRED.Example:
{
"code": "REPORT_EXPIRED",
"screening_group_id": "905963d4-0649-4046-8f39-7997a9e45ed4"
}
When a webhook is sent, The Closing Docs uses the webhook body and your secret key to create a hash signature, which is sent in the header
Verification-Signature. The hash is created using HMAC-SHA256 and is hex encoded. In order for you to validate that the webhook is legitimate, hash the raw webhook body using your secret key as the key, and then compare your generated signature with the
Verification-Signature header value.Do Not Parse or Cast the Webhook Request Body
While generating the signature at your end, ensure that the webhook body passed as an argument is the raw webhook request body. Do not parse or cast the webhook request body.